JP5957498B2 - Account transfer system with condition setting, method and program thereof - Google Patents

Description

  The present invention relates to an account transfer system with a condition setting used for settlement of electronic commerce, a method and a program thereof, and more specifically, by setting an upper limit amount on a debit account for account transfer under various conditions, The present invention relates to a condition-directed account transfer system, a method, and a program that enable the depositor side to control the amount to be debited.

  In recent years, with the spread of the Internet, electronic commerce such as online shopping has been actively performed. The settlement methods used in electronic commerce include bank transfer, postal transfer, cash on delivery, credit card settlement, etc., and the settlement methods provided vary depending on the provider of the electronic commerce service.

  Of the payment methods used in the past, with bank transfer or postal transfer, the buyer must go to a financial institution, or the buyer must use the Internet banking system of the financial institution to make a transfer to the account specified by the seller. . In this case, the buyer is required to spend time and effort to go to a financial institution or access Internet banking, and to spend time and effort for a transfer operation on the financial institution or Internet banking system.

  In credit card payment, a buyer can make an immediate payment with relatively little effort by inputting necessary items such as a credit card number on the website of the electronic commerce service. However, in order for a buyer to use credit card payment, it is first assumed that the seller has a contract with a card company as a credit card member store. In addition, the buyer must have a credit card of one of the available cards presented by the seller.

  By the way, account transfer services provided by financial institutions are widely used today for public charges such as telephone, electricity, gas, and water, and credit card usage charges. Account transfer is a service in which a financial institution automatically withdraws from a user's deposit account based on account transfer request data created by a consignor who provides public services and credit card services. By using account transfer, a user of a deposit account can pay a fee without performing a payment procedure such as a transfer each time.

  However, in the conventional account transfer, the user of the deposit account requesting the account transfer submits an account transfer request form specifying the debit account to the financial institution, and the financial institution accepts the accepted account transfer request form. Since the contract is established after being presented in the above, it has not been widely used as a settlement method in electronic commerce considering the time and labor required to establish the contract.

  In addition, account transfer generally takes several days from the account transfer request by the consignor to the account transfer process, the report of the account transfer result, as a settlement method for sellers adopting a prepaid sales form, Difficult to penetrate buyers who want to deliver goods or services promptly.

JP 2006-244459 A JP 2002-366766 A

  Patent Document 1 discloses a transfer request table for automatically logging in to an internet banking server from a shopping mall website at the time of settlement, and requesting a process of transferring the purchase price from the buyer's account to the account of the shopping mall administrator serving as the seller. An electronic commerce settlement system that eliminates the trouble of accessing Internet banking and makes it possible to easily transfer funds of a self-account by creating an account is disclosed.

  However, in the invention described in Patent Document 1, it is necessary for a customer as a buyer to download a specific tool utility software and install it on a customer terminal and input a login ID and password when starting a transaction. The customer must accept the burden associated with this installation work and the installation of specific software on the customer terminal.

  In addition, in the invention described in Patent Document 1, even when a transaction is made again with a seller who has once made a transaction, as in the case of the first transaction, auto-login to Internet banking is performed and the created transfer request table is displayed. It is necessary to instruct each time a transfer process is requested.

  In Patent Document 2, it is assumed that an account transfer contract is concluded between a non-life insurance company, which is an account transfer consignor, a sales agency that sells non-life insurance, and a financial institution. In response to a payment request from an insurance company, without the consent of the sales agent each time, a withdrawal process is performed from the sales agent's account based on the settlement request, and whether or not this withdrawal process has been successfully performed. A fund processing system is disclosed in which a non-life insurance company can perform settlement processing in real time by transmitting a result notification to the non-life insurance company.

  Here, in the embodiment of the invention described in the cited document 2, the non-life insurance company and its sales agent are the targets of the account transfer contract, and storage that is sufficiently reliable as viewed from the depositor side who owns the withdrawal account. A company. However, in general electronic commerce, it is rare that a sufficient trust relationship is established between the depositor who owns the withdrawal account and the storage company, and the depositor is based on the settlement request from the consignor. Although there is resistance to permitting the withdrawal process without limitation, Patent Document 2 does not consider this point.

  The present invention has been made in view of the above-mentioned problems, and it is possible to control the deposit amount on the depositor side who owns the withdrawal account by setting an upper limit amount according to the conditions for the withdrawal account of the account transfer. An object of the present invention is to provide an account transfer system with condition setting and an account transfer method with condition setting.

  In order to solve the above-described problems, the account transfer system with a condition setting according to the present invention includes a storage company code and a storage company information storage unit for storing deposit account information, a withdrawal account information, a storage company code, and an upper limit amount. Account transfer contract storage unit for storing, account transfer contract information receiving means for receiving account transfer contract information from the user terminal, and storing it in the account transfer contract storage unit, and from the seller system, storage company code, transferred account Information and bill transfer data including the bill amount are received, and the upper limit amount is acquired from the fund transfer contract storage unit based on the storage company code and the transferred account information included in the received bill transfer data A billing data receiving means for comparing the acquired upper limit amount with the billed amount to determine whether or not to execute account transfer; The payment account information is acquired from the storage company information storage unit based on the storage company code included in the account transfer claim data, and the account transfer is performed based on the acquired payment account information and the transferred account information. Fund transfer execution means to be executed.

It is a figure which shows the whole network structure which concerns on one Embodiment of this invention. It is a block diagram which shows the structure of the account transfer system with a condition setting which concerns on one Embodiment of this invention. It is a figure which shows an example of the information stored in the storage company information storage part which concerns on one Embodiment of this invention. It is a figure which shows an example of the information stored in the account transfer contract memory | storage part which concerns on one Embodiment of this invention. It is a flowchart which shows the account transfer process with a condition setting which concerns on one Embodiment of this invention. It is a flowchart which shows the account transfer contract change process which concerns on one Embodiment of this invention. It is a flowchart which shows the account transfer contract change process which concerns on one Embodiment of this invention. It is a figure which illustrates the new account transfer contract screen which concerns on one Embodiment of this invention. It is a figure which illustrates the account transfer contract confirmation and change screen which concerns on one Embodiment of this invention. It is a figure which shows the whole network structure which concerns on the additional embodiment of this invention.

  Hereinafter, an account transfer system with condition setting and an account transfer method with condition setting according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

(System configuration)
FIG. 1 is a diagram showing an overall network configuration according to an embodiment of the present invention. In FIG. 1, a user terminal 101, a seller system 102 that operates an online shopping site, and a condition-set account transfer system 103 are configured to communicate via the Internet 104. Further, the account transfer system 103 with a condition setting installed in the bank and the branch office terminal 105 are configured to communicate via the bank network 106.

  The seller system 102 includes a Web server for publishing an online shopping site, a member database that stores personal information regarding members who use the online shopping site, and the like.

  A user of online shopping can access an online shopping site from the user terminal 101 via the Internet 104, determine purchase of a desired product, etc., and perform settlement.

  The condition-set account transfer system 103 receives account transfer request data from a seller, which is a storage company, via the seller system 102, and executes account transfer. Whether or not the amount charged in the account transfer billing data is within the conditions of the depositor's withdrawal account when performing an account transfer from the depositor's withdrawal account, which is an online shopping user, to the seller's deposit account The account transfer can be executed only when it is within the range of the condition.

  Next, with reference to the block diagram of FIG. 2, the configuration of the above-described condition-set account transfer system 103 will be described in detail. In FIG. 2, only a necessary functional configuration is shown assuming a single computer system. However, the account transfer system 103 with a condition setting is configured as a part of a multi-functional distributed system using a plurality of computer systems. You can also

  The condition setting direct debit system 103 is connected to a CPU 201 via a system bus 202, a RAM 203, an input device 204, an output device 205, a communication control device 206, and a storage device 207 composed of a nonvolatile storage medium (ROM, HDD, etc.). Are connected. The storage device 207 includes a program storage area for storing a software program for performing the above-described functions, and a data storage area for storing data acquired at any time, data as a processing result, and the like. Each means of the program storage area described below is actually an independent software program, its routine, component, etc., which is called from the storage device 207 by the CPU 201 and expanded in the work area of the RAM 203, while referring to the database and the like as appropriate. Each function is performed by being executed sequentially.

  The data storage area includes an account information storage unit 208, a storage company information storage unit 209, and an account transfer contract storage unit 210. Each is a certain storage area secured in the storage device 207.

  The account information storage unit 208 stores information related to an account such as an account number. In one embodiment, the account information storage unit 208 includes a customer identifier that uniquely identifies a customer, a branch number, a course (“0” for a regular course, “1” for a current course), an account number, and an account Stores contact information for the holder.

  The storage company information storage unit 209 stores information related to the storage company. In one embodiment, as shown in FIG. 3, the storage company information storage unit 209 stores a storage company code, a storage company name, and a deposit account information (branch number, subject, account number) that uniquely identify the storage company. Store.

  The account transfer contract storage unit 210 stores information of the account transfer contract for each depositor's withdrawal account and each storage company. In one embodiment, as shown in FIG. 4, withdrawal account information (branch number, item, account number), storage company code, upper limit amount, condition period, condition count, cumulative billing amount, cumulative count, and condition start month Is stored.

  In the withdrawal account information, information (branch number, subject, account number) specifying the depositor's withdrawal account stored in the account information storage unit 208 is stored, and the storage company code is stored in the storage company information storage unit 209. Stored storage company code is stored.

  In the upper limit amount, the upper limit amount allowed for the account transfer from the storage company specified by the storage company code by the depositor who owns the withdrawal account is stored. In the present embodiment, according to the account transfer conditions allowed by the depositor, the condition can be set by any one of the upper limit amount only, the upper limit amount + condition period, and the upper limit amount + condition period + condition count. .

  If “10,000 yen” is set only for the maximum amount, each account transfer can be made within 10,000 yen. In this embodiment, in addition to the upper limit amount, a condition period (unit: months) can be specified. When the upper limit amount is set to “10,000 yen” and the condition period is set to “1 month”, One-month account transfer can be made within 10,000 yen. In this embodiment, in addition to the upper limit amount, the condition period and the number of conditions can be specified. The upper limit amount is set to “10,000 yen”, the condition period is set to “2 months”, and the condition number is set to “3 times”. If it is, the account transfer for 2 months can be within 10,000 yen and 3 times.

  In the present embodiment, the unit of the condition period is a month, but those skilled in the art will understand that any unit such as a day or a week can be used.

  In the accumulated bill amount, the accumulated amount of the bill amount due to the account transfer executed within the specified conditions is stored, and in the accumulated number of times, the cumulative number of account transfers performed is stored. The condition start month stores the year and month indicating the start month of the condition period.

  Software programs stored in the program storage area enumerate only those related to the present invention, and account transfer contract flow means 211, account transfer contract reception means 212, billing data reception means 213, account transfer execution means 214, account A transfer contract management unit 215, a notification unit 216, and an internet banking unit 217 are provided.

  The account transfer contract flow unit 211 manages the flow of the account transfer contract process and the account transfer contract change process. The account transfer contract flow unit 211 receives a contract process start instruction or a contract change process start instruction from the seller system 102. In one embodiment, the contract processing start instruction includes a storage company code. The contract change processing start instruction includes withdrawal account information (branch number, subject, account number) and storage company code.

  When the contract processing start instruction is received, the account transfer contract flow unit 211 displays a new account transfer contract screen on the user terminal 101. In one embodiment, as shown in FIG. 8, the new account transfer contract screen includes a storage company name, debit account information (branch number, item, account number), an upper limit amount setting flag, an upper limit amount, a condition period, and The condition count is included. In this embodiment, the account transfer contract flow unit 211 acquires the corresponding storage company name from the storage company information storage unit 209 based on the storage company code included in the contract processing start instruction, and displays it on the new account transfer contract screen. To do.

  The upper limit amount setting flag of this embodiment is an input item that can select either “Yes” or “No”, and only when “Yes” is selected in the upper limit amount setting flag, the upper limit amount and the condition period The setting of the condition number is valid, and when “None” is selected, the settings of the upper limit amount, the condition period, and the condition number are invalid.

  When the account transfer contract flow means 211 receives a contract processing end instruction from the user terminal 101 by pressing a registration button on the new account transfer contract screen, the debit account information set on the new account transfer contract screen is displayed on the seller system 102. Send to.

  On the other hand, when the contract change processing start instruction is received, the account transfer contract flow unit 211 displays an account transfer contract confirmation / change screen on the user terminal 101. In one embodiment, as shown in FIG. 9, the account transfer contract confirmation / change screen includes a storage company name, debit account information (branch number, item, account number), upper limit amount setting flag, upper limit amount, condition period , Condition count, accumulated billing amount, cumulative count, and condition start month.

  Based on the withdrawal account information and the storage company code included in the contract change processing start instruction, the account transfer contract flow means 211 receives an upper limit amount setting flag, an upper limit amount, a condition period of the corresponding record from the account transfer contract storage unit 210, Acquires the condition count, cumulative billing amount, cumulative count, and condition start month, and displays them on the account transfer contract confirmation / change screen.

  Further, when receiving the contract list processing instruction from the user terminal 101, the account transfer contract flow unit 211 displays the account transfer contract list screen on the user terminal 101 with reference to the account transfer contract storage unit 210. Furthermore, the account transfer contract flow unit 211 displays an account transfer contract confirmation / change screen on the user terminal 101 when a specific account transfer contract is selected on the account transfer contract list screen.

  The account transfer contract flow unit 211 ends the process when receiving a contract change process end instruction from the user terminal 101 by pressing the change button / cancel button on the account transfer contract confirmation / change screen. When the contract change process end instruction is received by pressing the change button, the account transfer contract flow unit 211 transmits the withdrawal account information changed on the account transfer contract confirmation / change screen to the seller system 102.

  The account transfer contract receiving unit 212 receives the account transfer contract information from the user terminal 101 and stores it in the account transfer contract storage unit 210. In one embodiment, the direct debit contract information includes debit account information (branch number, item, account number), storage company code, and upper limit amount setting flag (“0” if none, “1” if present) , Upper limit amount, condition period, and number of conditions. When the record specified by the debit account information and the storage company code does not exist in the account transfer contract storage unit 210, the account transfer contract acceptance unit 212 creates and registers a new record. On the other hand, when the record specified by the withdrawal account information and the storage company code already exists in the account transfer contract storage unit 210, the account transfer contract accepting means 212 corrects and registers the existing record.

  When the upper limit amount setting flag is “0: None”, the account transfer contract accepting unit 212 sets “999,999,999 yen” indicating no upper limit amount setting as the upper limit amount of the account transfer contract storage unit 210. In this embodiment, when the condition period is set, the account transfer contract receiving unit 212 sets the year and month when the account transfer contract information is received as the condition start month of the account transfer contract storage unit 210.

  The billing data receiving means 213 receives the account transfer request data from the seller who is the storage company via the seller system 102 and determines whether or not to execute the account transfer based on the account transfer contract storage unit 210. To do. In one embodiment, the account transfer billing data includes a storage company code, transferred account information (branch number, item, account number), and billing amount.

  The billing data receiving means 213 refers to the account transfer contract storage unit 210 and determines whether there is a record specified by the transferred account information and the storage company code of the received account transfer request data. If present, the billing data receiving means 213 determines that the target account transfer is a condition set by the depositor based on the upper limit amount, the condition period, the number of conditions, the accumulated billing amount, and the accumulated number of times of the account transfer contract storage unit 210. It is determined whether it is within the range.

  The account transfer execution unit 214 executes account transfer based on the account transfer request data received from the request data reception unit 213. In the present embodiment, the account transfer execution unit 214 acquires the deposit account information from the storage company information storage unit 209 based on the storage company code of the account transfer request data, and receives the transfer account from the transferred account of the account transfer request data. Perform direct debit to.

  The account transfer contract management means 215 maintains consistency with respect to the accumulated bill amount and the accumulated number of times in the account transfer contract storage unit 210. In one embodiment, the account transfer contract management means 215, when the account transfer processing by the account transfer execution means 214 is successful, except for the case where “upper limit amount: 999,999,999 yen” indicating no upper limit amount setting is set. The accumulated billing amount in the transfer contract storage unit 210 is updated by adding the billing amount of the successful account transfer process.

  Further, the account transfer contract management unit 215 increments the cumulative number of times when the account transfer process by the account transfer execution unit 214 is successful, or when a value is set in the condition count of the account transfer contract storage unit 210. Update.

  The account transfer contract management means 215 also initializes and sets the accumulated billing amount and the accumulated number of records for which a certain condition period has elapsed from the condition start month to zero. In one embodiment, the account transfer contract management unit 215 checks the condition start month and condition period of the account transfer contract storage unit 210 on the last day of the month, and records the predetermined condition period from the condition start month. Initialize the cumulative billing amount and cumulative count to zero, and set the next month's value as the condition start month. For example, for the record of “account number: 4234567” in the account transfer contract storage unit 210 shown in FIG. 4, the account transfer contract management means 215 is the condition start month in the process of August 31, 2014. Judge that the three months of the condition period have passed since the month, initialize the cumulative billing amount to “0 yen”, and set “September 2014” as the condition start month. By adopting such a configuration, the user can perform transactions continuously while controlling the deduction amount within a predetermined condition period.

  In another embodiment, the account transfer contract management means 215 checks the condition start month and condition period of the account transfer contract storage unit 210 on the last day of the month, and a record in which a predetermined condition period has elapsed from the condition start month The upper limit amount, condition period, condition count, cumulative billing amount, and cumulative count are initialized and set to zero, and the condition start month is initialized and not set. With this configuration, the user can set a new condition according to the trust relationship with the storage company that performs the account transfer after the once set condition period has elapsed.

  The notification means 216 transmits information on account transfer to the storage company and the depositor. In one embodiment, in the determination process by the billing data reception unit 213, when the record specified by the account information to be transferred and the storage company code in the account transfer billing data does not exist in the account transfer contract storage unit 210, the notification unit 216 Along with the target account transfer request data, the fact that there is no account transfer contract can be transmitted to the storage company.

  In one embodiment, when it is determined in the determination process by the billing data reception unit 213 that the target account transfer is not within the range set by the depositor, the notification unit 216 displays the target account transfer billing data. At the same time, it can be transmitted to the storage company and the depositor that the upper limit is exceeded or the number of conditions is exceeded.

  In one embodiment, the result of the account transfer process by the account transfer execution unit 214 can be transmitted to the storage company and the depositor.

  Internet banking means 217 provides a conventional Internet banking service. In the present embodiment, the Internet banking means 217 provides an account transfer contract service that enables confirmation and change of existing account transfer contract information in addition to the conventional Internet banking service.

(Direct debit processing)
Next, with reference to the flowchart of FIG. 5, the condition setting-added account transfer process according to an embodiment will be described. The mail order company A makes a contract in advance with the bank 1 providing the condition-set account transfer service to use the condition-set account transfer service, and the “storage company code” of FIG. : 11111 ”is stored in the storage company information storage unit 209.

(First embodiment)
Online of the seller system 102 managed by the mail order company A from the user terminal 101 via the Internet 104 by the user X who owns the withdrawal account (branch number: 200, subject: 1, account number: 1234567) in the bank 1 The shopping site is accessed and settlement processing is started for a desired product (S501). When the user X selects account transfer on the payment method selection screen displayed on the user terminal 101, the account transfer contract flow unit 211 of the condition-set account transfer system 103 starts contract processing from the seller system 102. An instruction is received (S502). In this embodiment, it is assumed that a contract processing start instruction including “storage company code: 11111” is received.

  Receiving the contract processing start instruction, the account transfer contract flow unit 211 displays a new account transfer contract screen on the user terminal 101 (S503). In one embodiment, the new account transfer contract screen includes a storage company name, withdrawal account information (branch number, item, account number), an upper limit amount setting flag, an upper limit amount, a condition period, and a condition count. In the present embodiment, the account transfer contract flow unit 211 obtains the corresponding “storage company name: mail order company A” from the storage company information storage unit 209 based on “storage company code: 11111” included in the contract processing start instruction. Acquire it and display it on the new direct debit agreement screen.

  When the user X finishes inputting information on the new account transfer contract screen and presses the registration button, the condition-set account transfer system 103 receives a contract processing end instruction from the user terminal 101 (S504). The account transfer contract accepting means 212 of the attached account transfer system 103 receives the account transfer contract information from the user terminal 101 and stores it in the account transfer contract storage unit 210 (S505). In this embodiment, withdrawal account information (“branch number: 200”, “subject: 1”, “account number: 1234567”), “storage company code: 11111”, “upper limit amount setting flag: 1” “upper limit amount: It is assumed that the account transfer contract information including “50,000 yen” and “condition period: 1 month” is received and stored in the account transfer contract storage unit 210 as shown in FIG.

  In the present embodiment, when the upper limit amount setting flag is “0: None”, the account transfer contract accepting unit 212 stores it in the account transfer contract storage unit 210 as “upper limit amount: 999,999,999” indicating no upper limit amount setting. To do.

  Here, the security aspect does not have a direct relationship with the gist of the present application, and is omitted in this specification. However, when registering the account transfer contract information, the account specified by the withdrawal account information is stored in the account information storage unit 208. It is desirable to verify the existence and authenticity of the depositor who owns the withdrawal account, which can be verified using any method known in the art.

  Subsequently, the account transfer contract flow means 211 transmits the debit account information set on the new account transfer contract screen to the seller system 102 (S506), and the seller system 102 uses the received debit account information as a member database. Store using etc.

  Next, in response to the user X instructing confirmation of settlement in the settlement process of the online shopping site, the seller system 102 creates account transfer billing data and transmits it to the account transfer system 103 with a condition setting. . In this embodiment, an account including “storage company code: 11111”, transferred account information (“branch number: 200”, “subject: 1”, “account number: 1234567”), and “billing amount: 7,000 yen” It is assumed that transfer request data has been transmitted.

  Upon receiving the account transfer request data from the seller system 102 (S507), the billing data receiving means 213 of the condition-set account transfer system 103 refers to the account transfer contract storage unit 210 and receives the received account transfer request data. It is determined whether there is a record specified by the transfer account information and the storage company code (S508). In the present embodiment, since there is a record, the process proceeds to S509.

  In step S509, the billing data receiving unit 213 determines that the target account transfer is based on the conditions set by the depositor based on the upper limit amount, the condition period, the number of conditions, the accumulated billed amount, and the accumulated number of times in the account transfer contract storage unit 210. It is determined whether it is within the range. Specifically, first, it is determined whether or not the sum of the amount charged in the account transfer contract storage unit 210 and the amount charged in the received account transfer request data is within the upper limit amount in the account transfer contract storage unit 210. . Furthermore, when the condition number is set, the cumulative number of the account transfer contract storage unit 210 is compared with the condition number to determine whether or not the condition number is within the range set by the depositor. In this embodiment, the sum of “accumulated invoice amount: 0 yen” plus “invoice amount: 7,000 yen” in the received account transfer invoice data is within “upper limit amount: 50,000 yen”, and the number of conditions is set. Therefore, it is determined that the target account transfer is within the condition set by the account transfer contract storage unit 210, and the process proceeds to S510.

  If it is determined that the target account transfer is within the range of conditions set by the depositor, the account transfer execution unit 214 of the condition-set account transfer system 103 in S510 receives the account received from the billing data reception unit 213. Perform account transfer based on the transfer request data. In this embodiment, the account transfer execution means 214 receives the deposit account information (“branch number: 200”, “subject: 1” from the storage company information storage unit 209 based on the “storage company code: 11111” of the account transfer request data. ”,“ Account number: 1111111 ”), and the account transfer is executed from the transferred account of the account transfer request data to the deposit account.

  In this embodiment, when the account transfer is successful, the account transfer contract management unit 215 stores the account transfer contract storage unit 210 in the account transfer contract storage unit 210, except when “upper limit amount: 999,999,999” indicating no upper limit amount is set. The cumulative billing amount is updated by adding the successful billing amount, and the cumulative billing amount is updated to 7,000 yen.

  Finally, the notifying unit 216 of the condition-set account transfer system 103 transmits the result of the account transfer process by the account transfer execution unit 214 to the storage company and the depositor (S511). In this embodiment, the notification means 216 transmits the result of the account transfer process to the seller system 102, and acquires the account holder contact information from the account information storage unit 208 based on the transferred account information of the account transfer request data. Then, the result of the account transfer process is transmitted to the depositor.

  If it is determined in S508 that there is no record, in S512, the notification unit 216 can transmit to the storage company that the account transfer contract does not exist together with the target account transfer request data.

  If it is determined in S509 that the target account transfer is not within the range of conditions set by the depositor, in S513, the notification means 216 is out of the range of conditions together with the target account transfer billing data. Can be sent to storage companies and depositors.

(Second Embodiment)
As shown in FIG. 4, with regard to the account transfer between the user Y who owns the withdrawal account (branch number: 200, subject: 1, account number: 2234567) in bank 1, the withdrawal account information (branch number) : 200, subject: 1, account number: 2234567) and the record specified by “storage company code: 11111” are stored in the account transfer contract storage unit 210. As shown in FIG. 4, for user account transfer with mail order company A, user Y sets the account transfer for two months to be within “maximum amount: 10,000 yen” and “conditions: 3 times”. It is assumed that the account transfer process has already been executed twice and 5,000 yen is stored in the accumulated bill amount.

  The user Y accesses the online shopping site of the seller system 102 managed by the mail order company A from the user terminal 101 via the Internet 104, and starts settlement processing for a desired product or the like (S501). When the user selects account transfer in the payment method selection screen displayed on the user terminal 101 in the settlement process with the user who has already made an account transfer contract, the seller system 102 starts the contract process in S502. The instruction transmission process can be omitted, and the process can proceed to S507.

  In response to the user Y instructing confirmation of settlement in the settlement process of the online shopping site, the seller system 102 creates account transfer billing data and transmits it to the account transfer system 103 with a condition setting. In the present embodiment, an account including “storage company code: 11111”, transferred account information (“branch number: 200”, “subject: 1”, “account number: 2234567”), and “billing amount: 7,000 yen” It is assumed that transfer request data has been transmitted.

  Upon receiving the account transfer request data from the seller system 102 (S507), the billing data receiving means 213 of the condition-set account transfer system 103 refers to the account transfer contract storage unit 210 and receives the received account transfer request data. It is determined whether there is a record specified by the transfer account information and the storage company code (S508). In the present embodiment, since there is a record, the process proceeds to S509.

  In step S509, the billing data receiving unit 213 determines whether the target account transfer is within a range set by the depositor. In the present embodiment, since the sum of “accumulated billing amount: 5,000 yen” plus “billing amount: 7,000 yen” exceeds “maximum amount: 10,000 yen”, the target account transfer is a condition set by the depositor. In S513, the notification unit 216 can transmit to the storage company and the depositor that the upper limit amount is exceeded together with the target account transfer request data.

  In one embodiment, in addition to or instead of the notification processing by the notification unit 216, the account transfer contract flow unit 211 displays the account transfer contract confirmation / change screen on the user terminal 101, thereby allowing the user's upper limit amount It is possible to prompt the user to change the setting. In one embodiment, the account transfer contract confirmation / change screen includes a storage company name, withdrawal account information (branch number, item, account number), upper limit amount setting flag, upper limit amount, condition period, condition count, cumulative billing amount, The accumulated number and the condition start month are included, and the user can change and register desired items excluding the storage company name, the accumulated billing amount, the accumulated number, and the condition start month.

(Third embodiment)
As shown in FIG. 4, with regard to the account transfer between the user Y who owns the withdrawal account (branch number: 200, subject: 1, account number: 2234567) in bank 1, the withdrawal account information (branch number) : 200, subject: 1, account number: 2234567) and the record specified by “storage company code: 11111” are stored in the account transfer contract storage unit 210. As shown in FIG. 4, for user account transfer with mail order company A, user Y sets the account transfer for two months to be within “maximum amount: 10,000 yen” and “conditions: 3 times”. It is assumed that the account transfer process has already been executed twice and 5,000 yen is stored in the accumulated bill amount.

  The user Y accesses the online shopping site of the seller system 102 managed by the mail order company A from the user terminal 101 via the Internet 104, and starts settlement processing for a desired product or the like (S501). When the user selects account transfer in the payment method selection screen displayed on the user terminal 101 in the settlement process with the user who has already made an account transfer contract, the seller system 102 starts the contract process in S502. The instruction transmission process can be omitted, and the process can proceed to S507.

  In response to the user Y instructing confirmation of settlement in the settlement process of the online shopping site, the seller system 102 creates account transfer billing data and transmits it to the account transfer system 103 with a condition setting. In this embodiment, an account including “storage company code: 11111”, transferred account information (“branch number: 200”, “subject: 1”, “account number: 2234567”), and “billing amount: 3,000 yen” It is assumed that transfer request data has been transmitted.

  Upon receiving the account transfer request data from the seller system 102 (S507), the billing data receiving means 213 of the condition-set account transfer system 103 refers to the account transfer contract storage unit 210 and receives the received account transfer request data. It is determined whether there is a record specified by the transfer account information and the storage company code (S508). In the present embodiment, since there is a record, the process proceeds to S509.

  In step S509, the billing data receiving unit 213 determines whether the target account transfer is within a range set by the depositor. In the present embodiment, “accumulated billing amount: 5,000 yen” plus “billing amount: 3,000 yen” is within “upper limit amount: 10,000 yen”, and “cumulative count: twice” is “condition” Since it is less than “number of times: 3”, it is determined that the target account transfer is within the range of the condition, and the process proceeds to S510.

  In step S <b> 510, the account transfer execution unit 214 of the condition-set account transfer system 103 executes account transfer based on the account transfer billing data received from the billing data receiving unit 213. In this embodiment, the account transfer execution means 214 receives the deposit account information (“branch number: 200”, “subject: 1” from the storage company information storage unit 209 based on the “storage company code: 11111” of the account transfer request data. ”,“ Account number: 1111111 ”), and the account transfer is executed from the transferred account of the account transfer request data to the deposit account.

  When the account transfer is successful, the account transfer contract management unit 215 updates the accumulated bill amount of the account transfer contract storage unit 210 by adding the successful bill amount. In the present embodiment, the accumulated billing amount is updated to 8,000 yen.

  Furthermore, in the present embodiment, when the account transfer is successful, the account transfer contract management unit 215 increments and updates the cumulative number of the account transfer contract storage unit 210.

  Finally, the notifying unit 216 of the condition-set account transfer system 103 transmits the result of the account transfer process by the account transfer execution unit 214 to the storage company and the depositor (S511). In this embodiment, the notification means 216 transmits the result of the account transfer process to the seller system 102, and acquires the account holder contact information from the account information storage unit 208 based on the transferred account information of the account transfer request data. Then, the result of the account transfer process is transmitted to the depositor.

  In addition to the result of the account transfer process, the notification unit 216 can also transmit to the depositor that the number of account transfer conditions for the target storage company has been reached.

(Fourth embodiment)
As shown in FIG. 4, with regard to the account transfer between the user Z who owns the withdrawal account (branch number: 200, subject: 1, account number: 3234567) in bank 1, the withdrawal account information (branch number) : 200, subject: 1, account number: 3234567) and “storage company code: 22222” and the record specified by the account transfer contract storage unit 210. As shown in FIG. 4, for user account transfer with mail order company B, user Z sets one month of account transfer within “upper limit amount of money: 10,000 yen” and within “number of conditions: 2 times”. It is assumed that the account transfer process has already been executed twice and 3,000 yen is stored in the accumulated bill amount.

  The user Z accesses the online shopping site of the seller system 102 managed by the mail order company B from the user terminal 101 via the Internet 104, and starts settlement processing for a desired product or the like (S501). When the user selects account transfer in the payment method selection screen displayed on the user terminal 101 in the settlement process with the user who has already made an account transfer contract, the seller system 102 starts the contract process in S502. The instruction transmission process can be omitted, and the process can proceed to S507.

  In response to the user Z instructing confirmation of settlement in the settlement process of the online shopping site, the seller system 102 creates account transfer billing data and transmits it to the account transfer system 103 with a condition setting. In the present embodiment, an account including “storage company code: 22222”, transferred account information (“branch number: 200”, “subject: 1”, “account number: 3234567”), and “billing amount: 4,000 yen” It is assumed that transfer request data has been transmitted.

  Upon receiving the account transfer request data from the seller system 102 (S507), the billing data receiving means 213 of the condition-set account transfer system 103 refers to the account transfer contract storage unit 210 and receives the received account transfer request data. It is determined whether there is a record specified by the transfer account information and the storage company code (S508). In the present embodiment, since there is a record, the process proceeds to S509.

  In step S509, the billing data receiving unit 213 determines whether the target account transfer is within a range set by the depositor. In the present embodiment, the sum of “accumulated billing amount: 3,000 yen” plus “billing amount: 4,000 yen” is within “upper limit amount: 10,000 yen”, but “cumulative count: twice” and “condition count” :: “twice” matches, it is determined that the target account transfer is not within the range set by the depositor.

  In this embodiment, in S513, the notification means 216 can transmit to the storage company and the depositor that the number of conditions is exceeded together with the target account transfer request data.

  As described above, according to the present invention, it is possible to control the withdrawal amount on the depositor side who owns the withdrawal account while enjoying the convenience of account transfer. The user of the deposit account can pay the fee only by setting up an account transfer contract once and without performing a payment procedure such as a transfer each time. In addition, the user can perform account transfer within the allowable range based on the trust relationship with the storage company, and can conduct transactions with peace of mind.

  Storage companies can provide buyers with conditional account transfers as a payment method that makes payments instantly and with little effort, and from more customers, including those who do not own credit cards. You can expect a transaction request.

(Account transfer contract change process)
Next, with reference to the flowchart of FIG. 6, a condition setting-added account transfer contract change process according to an embodiment will be described. The mail order company A makes a contract in advance with the bank 1 providing the condition-set account transfer service to use the condition-set account transfer service, and the “storage company code” of FIG. : 11111 ”is stored in the storage company information storage unit 209. Further, as shown in FIG. 4, with regard to the account transfer between the user X who owns the withdrawal account (branch number: 200, subject: 1, account number: 1234567) in the bank 1, the withdrawal account information ( It is assumed that the record specified by the branch number: 200, subject: 1, account number: 1234567) and “storage company code: 11111” is stored in the account transfer contract storage unit 210.

  The user X accesses the online shopping site of the seller system 102 managed by the mail order company A from the user terminal 101 via the Internet 104, and starts settlement processing for a desired product or the like (S601). When the user X selects account transfer on the payment method selection screen displayed on the user terminal 101 and instructs to confirm / change existing account transfer contract information, the account transfer system 103 with a condition setting is set. The account transfer contract flow means 211 receives the contract change processing start instruction from the seller system 102 (S602). In this embodiment, it is assumed that a contract change processing start instruction including withdrawal account information (branch number: 200, subject: 1, account number: 1234567) and “storage company code: 11111” is received.

  Receiving the contract change processing start instruction, the account transfer contract flow unit 211 displays an account transfer contract confirmation / change screen on the user terminal 101 (S603). In one embodiment, the account transfer contract confirmation / change screen includes a storage company name, withdrawal account information (branch number, item, account number), upper limit amount setting flag, upper limit amount, condition period, condition count, cumulative billing amount, Cumulative count and condition start month are included. In this embodiment, the account transfer contract flow means 211 is based on the withdrawal account information (branch number: 200, item: 1, account number: 1234567) and “storage company code: 11111” included in the contract change processing start instruction. From the account transfer contract storage unit 210, “upper limit amount setting flag: 1”, “upper limit amount: 50,000 yen”, “condition period: one month”, “condition count: not specified”, “cumulative billing amount” of the corresponding record. : 7,000 Yen ”,“ Cumulative number: None ”, and“ Condition start month: August 2014 ”are acquired and displayed on the account transfer contract confirmation / change screen.

  When the user X finishes inputting the changed information on the account transfer contract confirmation / change screen and presses the change button, the condition-set account transfer system 103 receives the contract change processing end instruction from the user terminal 101. (S604) The account transfer contract accepting unit 212 receives the changed account transfer contract information from the user terminal 101, and corrects and registers the record in the account transfer contract storage unit 210 (S605).

  Subsequently, the account transfer contract flow unit 211 determines whether or not the debit account information has been changed on the account transfer contract confirmation / change screen (S606). If changed, the process proceeds to S607, and the direct debit agreement flow means 211 transmits the changed withdrawal account information to the seller system 102, and the seller system 102 receives the received withdrawal account information based on the received withdrawal account information. Update the membership database.

  Since processing after the user X instructs settlement confirmation in the online shopping site settlement processing is the same as S507 in FIG. 5, description thereof is omitted.

  As described above, according to the present invention, the user of the deposit account can confirm and change the contents of the account transfer contract every time a transaction is made.

(Account transfer contract change process)
Next, with reference to the flowchart of FIG. 7, the account transfer contract change process with a condition setting according to an embodiment will be described. In FIG. 6, the process of changing the account transfer contract through the settlement process of the online shopping site of the seller system 102 has been described. However, in the present embodiment, as part of the bank's Internet banking service, a condition-set account An account transfer contract change process completed within the transfer system 103 will be described.

  The mail order company A makes a contract in advance with the bank 1 providing the condition-set account transfer service to use the condition-set account transfer service, and the “storage company code” of FIG. : 11111 ”is stored in the storage company information storage unit 209. In addition, user X who has a debit account (branch number: 200, subject: 1, account number: 1234567) in bank 1 has already set up account transfers with mail order company A and mail order company B. As shown in Figure 4, withdrawal account information (branch number: 200, subject: 1, account number: 1234567) and "storage company code: 11111", and withdrawal account information (branch number: 200, subject: 1, account number) : 1234567) and the record specified by “storage company code: 22222” are stored in the account transfer contract storage unit 210.

  The user X accesses the Internet banking provided by the Internet banking means 217 of the condition setting account transfer system 103 from the user terminal 101 via the Internet 104 and logs in (S701).

  The internet banking means 217 performs authentication based on, for example, authentication information such as a user ID and password input on the login screen (S702), and when authentication is completed, displays a list of services available to the authenticated customer ( S703). In one embodiment, the internet banking means 217 refers to the account information storage unit 208 and the account transfer contract storage unit 210 based on the customer identifier of the authenticated customer, and an account transfer contract exists for an account owned by the customer. , Display the direct debit agreement change service in the list of available services. In the present embodiment, as an Internet banking service that can be used by the user X, an account transfer contract change service is displayed in addition to the conventionally available account inquiry, transfer / transfer, and the like.

  When the user selects the account transfer contract change service in the available service list, the account transfer contract flow unit 211 receives a contract list processing instruction from the user terminal 101 (S704).

  In step S <b> 705, the account transfer contract flow unit 211 refers to the account information storage unit 208 and the account transfer contract storage unit 210 and displays an account transfer contract list screen on the user terminal 101. In one embodiment, a list of storage company names for which account transfer contracts have been set is displayed in a selectable format. In the present embodiment, it is assumed that the mail order company A and the mail order company B for which the user X has set an account transfer contract are displayed in a selectable format.

  Furthermore, the account transfer contract flow unit 211 displays an account transfer contract confirmation / change screen on the user terminal 101 when a specific account transfer contract is selected on the account transfer contract list screen (S706). In this embodiment, it is assumed that an account transfer contract with the mail order company B is selected.

  When the user X finishes inputting the changed information on the account transfer contract confirmation / change screen and presses the change button, the condition-set account transfer system 103 receives the contract change processing end instruction from the user terminal 101. (S707), the account transfer contract receiving means 212 receives the changed account transfer contract information from the user terminal 101, and corrects and registers the record of the account transfer contract storage unit 210 (S708).

  Subsequently, the account transfer contract flow means 211 determines whether or not the debit account information has been changed on the account transfer contract confirmation / change screen (S709). If changed, the process proceeds to S710, and the direct debit contract flow unit 211 transmits the changed withdrawal account information to the seller system 102, and the seller system 102 receives the received withdrawal account information based on the received withdrawal account information. Update the membership database. If the withdrawal account information has not been changed, the process is terminated.

  As described above, according to the present invention, a user of a deposit account can check and change the contents of an account transfer contract as appropriate using Internet banking of a bank that is conventionally used. By adopting such a configuration, for example, the user sets the upper limit amount to 0 yen after the end of the settlement process, and does not substantially allow account transfers, and each time a new settlement process occurs, the flow of FIG. It is possible to perform free account transfer in accordance with the user's intention, such as setting and operating an upper limit amount in spot.

(Additional embodiments)
In the above-described embodiment, a single storage company that operates an online shopping site is illustrated. However, in an additional embodiment, the online shopping mall site having a plurality of storage companies as shown in FIG. This is applicable to each storage company.

  In FIG. 1, a single seller system 102 that operates an online shopping site is disclosed, but in this embodiment, a plurality of seller systems 1002a, 1002b,..., 1002n (hereinafter, seller system 1002). And an online shopping mall server 1007 that is separate from these seller systems 1002.

  When there are a plurality of storage companies, for each storage company, a contract for using the conditional account transfer service is concluded in advance with a bank that provides the conditional account transfer service. Accordingly, the storage company information storage unit 209 needs to store the storage company information.

  Further, in S502 during the condition-set account transfer process shown in FIG. 5, the condition-set account transfer system 103 receives the contract process start instruction from the seller system 102, as in S502 of FIG. The account transfer system 103 can be configured to receive a contract processing start instruction from the seller system 1002, and the online shopping mall server 1007 holds information necessary for the contract processing start instruction, whereby the account transfer with condition setting is performed. Those skilled in the art will understand that the system 103 may be configured to receive a contract processing start instruction from the online shopping mall server 1007. In combination with the configuration of S502 in FIG. 5, the transmission destination of the withdrawal account information in S506 can be changed as appropriate.

  Similarly, in S602 during the condition-set account transfer contract change process shown in FIG. 6, the condition-set account transfer system 103 issues a contract change process start instruction from the seller system 1002 or the online shopping mall server 1007. The transmission destination of the withdrawal account information in S607 can be changed as appropriate in combination with the configuration in S602.

Claims (9)

An account transfer system with a condition setting that sets an upper limit amount for a debit account for direct debit and executes an account transfer for the debit account for which the upper limit amount is set,
A storage company information storage unit for storing a storage company code and deposit account information;
Account transfer contract storage unit that stores debit account information, storage company code, upper limit amount,
Receive a contract processing start instruction, display on the user terminal a new account transfer contract screen on which account transfer contract information can be input, receive a contract processing end instruction from the user terminal, and receive the new account transfer contract screen An account transfer contract flow means for transmitting the debit account information included in the account transfer contract information input in step S1 to a seller system;
Receives the direct debit contract information from the user terminal, a debit contract reception means for storing in said debit contract storage unit,
From the seller system, receiving account transfer billing data including storage company code, transfer account information, and billing amount, based on the storage company code and transfer account information included in the received account transfer claim data Claim data receiving means for acquiring the upper limit amount from the account transfer contract storage unit, comparing the acquired upper limit amount with the billed amount, and determining whether to perform an account transfer;
When it is determined to execute the account transfer, the deposit account information is acquired from the storage company information storage unit based on the storage company code included in the account transfer claim data, and the acquired deposit account information and the transferred account are acquired. An account transfer executing means for executing account transfer based on information. The fund transfer contract flow means receives a contract change processing start instruction, and displays an account transfer contract confirmation / change screen on which the specific fund transfer contract information stored in the fund transfer contract storage unit can be changed. And when the withdrawal account information included in the specific account transfer contract information is changed on the account transfer contract confirmation / change screen, the change is received. Send the withdrawal account information to the seller system,
The fund transfer contract accepting unit receives the changed fund transfer contract information from the user terminal, and corrects the specific fund transfer contract information in the fund transfer contract storage unit with the changed fund transfer contract information. The system according to claim 1 . The fund transfer contract storage unit further stores a condition period, a condition count, a cumulative billing amount, a cumulative count, and a condition start month,
The billing data accepting unit is configured to store the upper limit amount, the condition count, the accumulated billed amount, and the accumulated amount from the account transfer contract storage unit based on a storage company code and transferred account information included in the received account transfer request data. It is determined that an account transfer is performed when the cumulative number is acquired, and the amount obtained by adding the charged amount to the acquired cumulative charged amount is within the acquired upper limit amount and the cumulative number is less than the condition number. ,
When the account transfer process by the account transfer execution unit is successful, the accumulated charge amount of the account transfer contract storage unit is updated by adding the charge amount of the successful account transfer process, and the account transfer contract storage unit Update by incrementing the cumulative number,
When the condition period has elapsed from the condition start month, an account transfer contract managing means for initializing the accumulated billing amount and the number of accumulations to zero and updating the condition start month with a new condition start month The system of claim 1, comprising: An account information storage unit for storing the customer identifier and the account information in association with each other;
When the account transfer contract information related to the specific customer identifier exists in the account transfer contract storage unit with reference to the account information storage unit and the account transfer contract storage unit based on a specific customer identifier, the specific Internet banking means for providing an account transfer contract change service as an Internet banking service that can be used by a customer identified by a customer identifier of
The account transfer contract flow means uses the account transfer contract confirmation / change screen capable of changing the account transfer contract information related to the specific customer identifier in response to the selection of the account transfer contract change service. When the withdrawal account information included in the related account transfer contract information is changed in the account transfer contract confirmation / change screen, the contract change process end instruction is received from the user terminal, Send the changed withdrawal account information to the merchant system;
The fund transfer contract accepting unit receives the changed fund transfer contract information from the user terminal, and corrects the related fund transfer contract information in the fund transfer contract storage unit with the changed fund transfer contract information. The system according to claim 1 , wherein: Account transfer in a condition-set account transfer system comprising a storage company information storage unit for storing storage company code and deposit account information, and an account transfer contract storage unit for storing debit account information, storage company code and maximum amount Set a maximum amount for the withdrawal account of, and execute a direct debit for the withdrawal account with the maximum amount set,
An account transfer contract flow means of the condition-added account transfer system receives a contract processing start instruction and displays a new account transfer contract screen on which user account transfer contract information can be input displayed on a user terminal;
The fund transfer contract flow means receives a contract processing end instruction from the user terminal, and transmits the withdrawal account information included in the fund transfer contract information input on the new fund transfer contract screen to the seller system. And steps to
And Step debit contract reception means of said condition debit system with configuration, wherein the user terminal to receive the debit contract information, stored in the debit contract storage unit,
A method according to data receiving means of the condition debit system with configuration, from said merchant system, the housing company code, receives a debit billing data including the transfer account information, and the billing amount,
The billing data receiving means acquires the upper limit amount from the account transfer contract storage unit based on the storage company code and transferred account information included in the received account transfer request data;
The billing data receiving means comparing the acquired upper limit amount with the billed amount to determine whether to perform an account transfer;
When it is determined that the account transfer is to be executed, the account transfer executing means of the condition-set account transfer system is configured to receive the deposit account information from the storage company information storage unit based on the storage company code included in the account transfer claim data. Step to get the
The said account transfer execution means performs the step of performing an account transfer based on the acquired said deposit account information and the said transferred account information. The account transfer contract flow means receives a contract change process start instruction, and displays an account transfer contract confirmation / change screen on which the specific account transfer contract information stored in the account transfer contract storage unit can be changed. Steps to display in
The fund transfer contract receiving means receives the changed fund transfer contract information from the user terminal, and corrects the specific fund transfer contract information in the fund transfer contract storage unit with the changed fund transfer contract information. Steps,
The step of determining whether or not the debit account information included in the changed account transfer contract information is changed by the fund transfer contract flow means;
If the withdrawal information is determined to have been changed, the direct debit contract flow means, wherein said modified debit account information to Claim 5, characterized in that it further executes the step of transmitting to the seller system the method of. The fund transfer contract storage unit further stores a condition period, a condition count, a cumulative billing amount, a cumulative count, and a condition start month,
The billing data accepting unit is configured to store the upper limit amount, the condition count, the accumulated billed amount, and the accumulated amount from the account transfer contract storage unit based on a storage company code and transferred account information included in the received account transfer request data. It is determined that an account transfer is performed when the cumulative number is acquired, and the amount obtained by adding the charged amount to the acquired cumulative charged amount is within the acquired upper limit amount and the cumulative number is less than the condition number. ,
When the account transfer process by the account transfer execution unit is successful, the account transfer contract management unit of the account transfer system with condition setting uses the accumulated charge amount of the account transfer contract storage unit as the charge amount of the successful account transfer process. In addition, updating, incrementing and updating the cumulative number of the account transfer contract storage unit,
When the condition period elapses from the condition start month, the fund transfer contract management means initializes the accumulated bill amount and the accumulation count to zero, and updates the condition start month with a new condition start month. The method of claim 5 , further comprising: The condition-set account transfer system further comprises an account information storage unit that stores a customer identifier and account information in association with each other,
The internet banking means of the condition-directed account transfer system refers to the account information storage unit and the account transfer contract storage unit based on a specific customer identifier, and the account transfer contract information related to the specific customer identifier is Determining whether it exists in the fund transfer contract storage unit;
When the account transfer contract information related to the specific customer identifier exists in the account transfer contract storage unit, the Internet banking means transfers the account transfer as an Internet banking service available to the customer identified by the specific customer identifier. Providing a contract modification service;
In response to selection of the account transfer contract change service, the account transfer contract flow means uses the account transfer contract confirmation / change screen that can change the account transfer contract information related to the specific customer identifier. Displaying on the user terminal,
The fund transfer contract accepting means receives the fund transfer contract information changed from the user terminal, and corrects the related fund transfer contract information in the fund transfer contract storage unit with the changed fund transfer contract information. And steps to
The step of determining whether or not the debit account information included in the changed account transfer contract information is changed by the fund transfer contract flow means;
If the withdrawal information is determined to have been changed, the direct debit contract flow means, wherein said modified debit account information to Claim 5, characterized in that it further executes the step of transmitting to the seller system the method of. Program for executing the method according to the computer in any one of claims 5 to 8.

Images